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CD Rates Madison, Mississippi (MS) for April 2026

Current Madison, Mississippi CD rates include Keesler Federal Credit UnionKeesler Federal Credit Union1944 Main St, Madison, MS 39110A+5.0 ★Texas Ratio: 4.31% offering 18 Month Jumbo Share & IRA Certificates at 3.25% APY, Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.12% offering 12-Month IRA/ESA Certificate Premier Member at 4.50% APY, Rivertrust Federal Credit UnionRivertrust Federal Credit UnionA+5.0 ★Texas Ratio: 1.43% offering 60 Month Certificate at 4.06% APY, Meridian Mississippi ANG Federal Credit UnionMeridian Mississippi ANG Federal Credit UnionA+5.0 ★Texas Ratio: 2.78% offering Certificates Of Deposit 12 Month Term at 4.04% APY, and Triangle Federal Credit UnionTriangle Federal Credit UnionA+5.0 ★Texas Ratio: 5.37% offering 6 Month JUMBO Share Certificate at 4.00% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Madison has 7 local institutions in our database, with CD rates as high as 3.25% APY from Keesler Federal Credit Union at 1944 Main St, Madison, MS 39110. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Mississippi area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 5, 2026

Compare Best CD Rates in Madison, Mississippi & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$0
3.66%
Rate3.60%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
Rate3.54%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3 month Certificate Account
$0
1.10%
Rate1.10%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
3 Month CD
$1,000
0.75%
Rate0.75%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
Rate0.60%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3 Month Certificate
$1,000
0.15%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1944 Main St, Madison, MS 39110
6 Month Jumbo Share & IRA Certificates
$0
0.45%
Rate0.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
6 Month JUMBO Share Certificate
$50,000
4.00%
Rate4.00%
Min Deposit$50,000
Min Balance
UpdatedApr 5, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
Rate3.88%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Age 0-17

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$0
3.87%
Rate3.80%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6 Month Certificate
$50,000
3.75%
Rate3.72%
Min Deposit$50,000
Min Balance
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 6-month
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
Rate3.40%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Certificate
$1,000
3.00%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77%
Rate2.75%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6 Month Jumbo CD
$0
1.60%
Rate1.59%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
6 Month CD
$1,000
1.51%
Rate1.50%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
6 month Certificate Account
$0
1.35%
Rate1.35%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Regular CDs
$0
1.25%
Rate1.24%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
6-Month Certificate (Premier Member)
$500
0.85%
Rate0.85%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 6 Month
$100,000
0.60%
Rate0.60%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
DreamBuilder 6 Month Certificate
$100
0.50%
Rate
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
6 Month Business Certificates
$1,000
0.15%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Commerce Bank Corinth, MS
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
6-Month CD
$1,000
0.10%
Rate0.10%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1944 Main St, Madison, MS 39110
1 Year Jumbo Share & IRA Certificates
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month IRA/ESA Certificate Premier Member
$500
4.50%
Rate4.41%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Certificates Of Deposit 12 Month Term
$0
4.04%
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$0
3.87%
Rate3.80%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 12-month
$0
3.80%
Rate3.73%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
12 Month Certificate Specials
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open.

Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
Share Certificate 12 Month Special
$1,000
3.50%
Rate3.44%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
1 Year Certificate
$10,000
3.45%
Rate3.45%
Min Deposit$10,000
Min Balance
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
Rate3.35%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Bank of Holly Springs
Institution Rating:
A5.0 ★Texas Ratio: 9.54%
CD 1 YEAR
$0
3.35%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month Certificate
$1,000
3.25%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Fixed Rate (12 mo)
$1,000
3.03%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
12 Month Certificates
$1,000
2.50%
Rate2.47%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1 Year Jumbo CD
$0
2.10%
Rate2.08%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
12 Month CD
$1,000
2.00%
Rate2.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
12 month Certificate Account
$0
1.85%
Rate1.85%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1 Year Certificate
$1,000
1.51%
Rate1.50%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
Rate1.39%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 12 Month
$100,000
0.90%
Rate0.90%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Commerce Bank Corinth, MS
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
1-Year CD
$500
0.20%
Rate0.20%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1944 Main St, Madison, MS 39110
18 Month Jumbo Share & IRA Certificates
$0
3.25%
Rate3.21%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 18-month
$0
4.00%
Rate3.92%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$0
3.87%
Rate3.80%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.72%
Rate3.66%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month Certificate
$0
3.56%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18-Month IRA/ESA Certificate Premier Member
$500
3.50%
Rate3.44%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
18 Month Certificate
$50,000
3.35%
Rate3.35%
Min Deposit$50,000
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
18 Month Certificate
$1,000
3.29%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
18 Month Certificate Specials
$1,000
3.00%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open.

Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Fixed Rate (18 mo)
$1,000
2.78%
Rate2.75%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Month Certificates
$1,000
2.35%
Rate2.33%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
18 Month IRA CD
$1,000
1.50%
Rate1.49%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 18 Month
$100,000
1.00%
Rate0.99%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1944 Main St, Madison, MS 39110
2 Year Jumbo Share & IRA Certificates
$0
0.95%
Rate0.95%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$0
3.82%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 24-month
$0
3.75%
Rate3.68%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month Certificate
$1,000
3.55%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24-Month IRA/ESA Certificate Premier Member
$500
3.50%
Rate3.44%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
Rate3.40%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
2 Year Certificate
$50,000
3.10%
Rate3.10%
Min Deposit$50,000
Min Balance
UpdatedApr 5, 2026
Details

Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Fixed Rate (24 mo)
$1,000
2.78%
Rate2.75%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
Rate2.57%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
24 Month CD
$1,000
2.53%
Rate2.50%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
24 Month Certificates
$1,000
2.10%
Rate2.08%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
24 month Certificate Account
$0
2.05%
Rate2.05%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
2 Year Certificate
$1,000
1.81%
Rate1.80%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2 Year Jumbo CD
$0
1.35%
Rate1.34%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 24 Month
$100,000
1.05%
Rate1.04%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Month Business Certificates
$1,000
0.50%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Commerce Bank Corinth, MS
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
2-Year CD
$500
0.30%
Rate0.30%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1944 Main St, Madison, MS 39110
3 Year Jumbo Share & IRA Certificates
$0
0.90%
Rate0.90%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$0
3.82%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 36-month
$0
3.75%
Rate3.68%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.67%
Rate3.61%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
36 Month Share Certificate
$1,000
3.25%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36-Month Certificate (Premier Member)
$500
3.00%
Rate2.96%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
36 Month CD
$1,000
2.79%
Rate2.75%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
36 month Certificate Account
$0
2.40%
Rate2.40%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
36 Month Certificates
$1,000
2.10%
Rate2.08%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 Year Jumbo CD
$0
1.80%
Rate1.79%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 Year Certificate
$2,500
1.51%
Rate1.50%
Min Deposit$2,500
Min Balance
UpdatedApr 5, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 36 Month
$100,000
1.15%
Rate1.14%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
36 Month Business Certificates
$1,000
0.70%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Commerce Bank Corinth, MS
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
3-Year CD
$500
0.40%
Rate0.40%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1944 Main St, Madison, MS 39110
4 Year Jumbo Share & IRA Certificates
$0
1.20%
Rate1.19%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$0
3.87%
Rate3.80%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
Rate3.44%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month Certificate (Premier Member)
$500
3.00%
Rate2.96%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
Rate2.86%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
48 Month CD
$1,000
2.79%
Rate2.75%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
4 Year Certificate
$500
2.75%
Rate2.75%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
48 month Certificate Account
$0
2.55%
Rate2.55%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month Certificates
$1,000
2.10%
Rate2.08%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4 Year CD
$0
1.50%
Rate1.49%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 48 Month
$100,000
1.30%
Rate1.29%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
48 Month Business Certificates
$1,000
0.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Commerce Bank Corinth, MS
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
4-Year CD
$500
0.45%
Rate0.45%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1944 Main St, Madison, MS 39110
5 Year Jumbo Share & IRA Certificates
$0
1.45%
Rate1.44%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month Certificate
$1,000
4.06%
Rate4.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$0
3.92%
Rate3.85%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 60-month
$0
3.75%
Rate3.68%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
Rate3.44%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
Roth IRA - Variable Rate (60 mo)
$100
3.29%
Rate3.25%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
Rate3.06%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month Certificate (Premier Member)
$500
3.00%
Rate2.96%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
60 Month CD
$1,000
2.79%
Rate2.75%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
60 month Certificate Account
$0
2.55%
Rate2.55%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
60 Month Certificates
$1,000
2.10%
Rate2.08%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5 Year Jumbo CD
$0
1.95%
Rate1.93%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Jumbo IRA Certificates 60 Month
$100,000
1.55%
Rate1.54%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Commerce Bank Corinth, MS
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
5-Year CD
$500
0.50%
Rate0.50%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Madison, MS CD Rate Trends

Compare local Madison, MS CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Mississippi CD Trends →
12-Month CD — MS Avg
3.019%
▲ 1.114 vs 7 days ago

Mississippi 12-month CD rates rose 1.114 points over the past 7 days to 3.019% APY.

6-Month CD — MS Avg
2.938%
▲ 1.737 vs 7 days ago

Mississippi 6-month CD rates rose 1.737 points over the past 7 days to 2.938% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Madison, Mississippi

Are CD rates in Madison, Mississippi FDIC insured?

Yes, most established banks in Madison, Mississippi are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Madison, Mississippi?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Madison, Mississippi.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Madison, Mississippi may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Madison, Mississippi?

Here are recent top rates found for this area:
  • Keesler Federal Credit Union: 3.25% APY (18 Month Jumbo Share & IRA Certificates)
  • Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA/ESA Certificate Premier Member)
  • Rivertrust Federal Credit Union: 4.06% APY (60 Month Certificate)
  • Meridian Mississippi ANG Federal Credit Union: 4.04% APY (Certificates Of Deposit 12 Month Term)
  • Triangle Federal Credit Union: 4.00% APY (6 Month JUMBO Share Certificate)
  • Riverland Federal Credit Union: 4.00% APY (Regular Certificates 18-month)
  • Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate)
  • All In Credit Union: 3.92% APY (60 Month IRA Jumbo)
  • Mutual Federal Credit Union: 3.75% APY (12 Month Certificate Specials)
  • Southern Security Federal Credit Union: 3.75% APY (6 Month Certificate)
Rates reflect recent verified offers available in Madison, Mississippi. Last Updated: April 5, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Madison, Mississippi directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Madison, Mississippi. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MS.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 5, 2026